Symetra Edge GPS® Fixed Indexed Annuity


An indexed account and a fixed account help keep your retirement headed in the right direction.


Indexed crediting opportunities.
Interest crediting opportunity based on the performance of the S&P 500 index, subject to a cap.

No downside market risk.
Your purchase payment and any previously credited interest are protected from market losses by an interest rate "floor" of 0%.

Free-look period.
You have 30 days after purchase to cancel your contract and receive a refund of your purchase payment. 

Multiple ways to access your money.
Three options for accessing your money during the surrender charge period:

  • Free annual withdrawals of up to 10% of the contract value.
  • Nursing home and hospitalization waiver.1
  • Annuitization anytime after the first 12 months of the contract.

Enhanced Death Benefit Rider.
The rider is an optional feature designed to provide beneficiaries with a potentially larger death benefit from the annuity contract than they'd otherwise receive.

  • Full lump-sum death benefit available to beneficiaries, with no annuitization requirement.
  • Annual Rollup Percentage of 7% simple interest for a rollup period of 10 years.
  • Available for issue ages 0-75.
  • Annual charge is 0.90% of the Enhanced Death Benefit Amount.


5-Year Surrender Charge Schedule*

Year 1 2 3 4 5 6+    
Charge 9% 8% 7% 7% 6% 0%    

7-Year Surrender Charge Schedule*

Year 1 2 3 4 5 6 7 8+
Charge 9% 8% 7% 7% 6% 5% 4% 0%

*May vary by state. See fact sheet for more information.

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Symetra Edge GPS Fixed Indexed Annuity is an individual single-premium fixed indexed deferred annuity with a market value adjustment feature. In Oregon, Symetra Edge GPS Indexed Fixed Annuity is issued as an individual single-premium indexed fixed deferred annuity with an MVA feature. Annuities are issued by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. Contract from number is RSC-0415 1/14 in most states. In Oregon, contract form number is RSC-0415/OR/NQ2 1/14. Enhanced Death Benefit Rider form number is ICC14_RE2 in most states. Product and Enhanced Death Benefit Rider are not available in all U.S. states or any U.S. territory.

Market value adjustment feature does not apply in CA.

A rider is a provision of the annuity with additional costs, potential benefits, and features that should never be confused with the annuity itself. Before evaluating the benefits of a rider, carefully examine the annuity to which it is attached.

Annuity contracts have terms and limitations for keeping them in force. Please call your insurance producer or advisor for complete details.

Guarantees and benefits are subject to the claims-paying ability of Symetra Life Insurance Company.

Symetra Edge GPS Fixed Indexed Annuity has fixed and indexed accounts. Interest credited to the indexed accounts is affected by the value of outside indexes. Values based on the performance of any index are not guaranteed and may increase or decrease. The contract does not directly participate in any outside investment.

Indexed interest is calculated and credited (if applicable) at the end of an annual interest term. This means amounts withdrawn from the indexed account before the end of an annual interest term will not receive indexed interest for that term.

If the contract is being funded with multiple purchase payments e.g. 1035 exchanges, funds will be held and the contract will not be issued until all purchase payments have been received. Interest is not credited between the dates the purchase payments are received and the date the contract is issued.

An index does not include the payment or reinvestment of dividends in the calculation of its performance.

It is not possible to invest in an index.

Symetra reserves the right to add or remove any index or indexed interest crediting method options. If any index is discontinued or if the calculation of any index is changed substantially, Symetra reserves the right to substitute a comparable index.

The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by Symetra Life Insurance Company (SLIC). Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and its affiliates and sublicensed for certain purposes by SLIC. Symetra Edge GPS Fixed Indexed Annuity is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

Withdrawals may be subject to federal income taxes and a 10% IRS early withdrawal tax penalty may also apply for amounts taken prior to age 59 ½. Consult your attorney or tax advisor for more information.

Indexed account(s) interest cap rates and fixed account interest rates are subject to change without notice.

The fixed account interest rate and indexed interest cap can be reset at the end of each interest term.

The fixed account interest rate will never be less than the fixed account guaranteed minimum interest rate stated in the contract.

Subsequent indexed interest caps may be higher or lower than the initial indexed interest cap but will never be less than the guaranteed minimum indexed interest cap rate stated in the contract.

The indexed interest floor is 0%, which means that the indexed interest rate credited to the indexed account value in any interest term will never be negative.

The guaranteed minimum value (GMV) upon surrender, annuitization, or death is the purchase payment accumulated at the nonforfeiture rate each year, less any prior withdrawals or partial annuitizations accumulated at the nonforfeiture rate each year, minus any applicable surrender charges. Prior withdrawals are after the effect of any surrender charge and market value adjustment (if applicable). Nonforfeiture rate varies by contract issue date and is not redetermined after issue. Current nonforfeiture rate: 1.00%. Rates are subject to change without notice.

Tax-qualified accounts such as IRAs, 401(k)s, etc. are tax deferred regardless of whether or not they are funded with an annuity. If you are considering funding a tax-qualified retirement plan or account with an annuity, you should know that an annuity does not provide any additional tax deferred treatment of earnings beyond the tax-qualified plan or program itself. However, annuities do provide other features and benefits such as death benefits and annuity payment options.

Products and services may vary by distributor.

This is not a complete description of Symetra Edge GPS Fixed Indexed Annuity. Please ask your insurance producer or advisor for a copy of the Contract Summary describing Symetra Edge GPS Fixed Indexed Annuity for a more complete description.

Symetra® and Symetra Edge GPS® are registered service marks of Symetra Life Insurance Company.

1 Not available in California. In Massachusetts, a waiver applies in the event of total and permanent disability beginning after the contract date.